Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps San Luis, AZ businesses, including contractors, retailers, restaurants and health care providers, explore funding options and connects them with lending partners, who make credit decisions and set terms. San Luis owners can start by phone at (928) 436-5545, online, or at the office at 360 W 20th St in Yuma.
Serving San Luis from our Yuma office
Our office at 360 W 20th St in Yuma is about 15 miles in a straight line from the Census Bureau's reference point for San Luis. That point is a statistical marker for a city covering about 34 square miles of land, not the downtown, and the road trip is longer (Census Gazetteer, 2025). Most San Luis owners start with a call to (928) 436-5545 or our online form, and our office is at 360 W 20th St in Yuma.
The San Luis business community
Business statistics for San Luis come by ZIP code, and ZIP 85349 is a close but imperfect match: 87.3 percent of the ZIP's land lies inside the city, but the city also reaches into ZIPs 85336 and 85350 (Census 2020 ZIP-to-place relationship file). Read the figures below as describing ZIP 85349.
- 221 employer establishments had a ZIP 85349 address in 2023, and 122 of them had fewer than five employees (Census ZIP Code Business Patterns, 2023, ZIP 85349).
- Among the sectors broken out: 48 construction establishments, 38 in retail trade, 26 in health care and social assistance, 23 in transportation and warehousing, and 14 in accommodation and food services (same source).
- Those employers reported 4,228 paid employees in mid-March 2023 (same source).
- An estimated 9.7 percent of San Luis's employed civilian residents were self-employed, with a margin of error of 2.8 points (Census ACS 2020-2024 5-year estimates, San Luis city).
The port of entry
The San Luis port of entry, U.S. Customs and Border Protection port 2608, has two facilities: San Luis I processes passengers and San Luis II handles commercial operations, with hours that vary by season (CBP port page, checked 2026-10-14). Check CBP's site for current hours before planning shipments.
Funding options that fit San Luis's business mix
Contractors
Construction is the biggest of the sector counts above. Contractors usually look at equipment financing for excavators, loaders and work trucks, where the equipment itself typically secures the deal, and at a revolving line of credit to carry payroll and materials between progress payments. Our contractor financing page goes into more detail.
Retailers, restaurants and clinics
Stores and restaurants with daily card sales are often offered merchant cash advances. An MCA is not a loan, and its total cost can be high, so compare it with working capital loans first. Clinics and other health care providers commonly finance equipment rather than pay cash; see financing for medical and dental practices.
Rockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms.
Local resources in San Luis
- City of San Luis business licenses. The city says licenses are reviewed by several city departments before approval, including to make sure commercial activity is in an appropriate zoning district.
- City of San Luis Economic Development, whose staff say they help businesses navigate "the requirements and procedures necessary to establish and grow your enterprise."
- Arizona Western College Small Business Development Center, which serves Yuma County and lists no-cost advising, including on financing and capital needs.
Rockstone Lending is not affiliated with these organizations. Pages checked 2026-10-14. More county resources are on our Yuma page.
By Rockstone Lending · Updated
